Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Eight Federal Credit Union
Metric by metric
| Measure | First Federal Savings and Loan Association | Eight Federal Credit Union |
|---|---|---|
| TellerScore | 93 | 96 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 63 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 97th |
| Total assets | $246.0M | $25.3M |
| Deposits / shares | $205.9M | $21.4M |
| Capital ratio | 16.48% (stronger) | 14.76% |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.07% | 1.57% (stronger) |
| Loans ÷ deposits | 55.8% | 37.9% (stronger) |
| Uninsured deposits | 3.7% | 2.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Eight Federal Credit Union has the higher TellerScore (96 vs 93). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 2 and Eight Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.